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BudgetBuddy

Privacy Policy

Last Updated: January 22, 2026

Effective Date: January 22, 2026

 

 

1. Introduction

 

Welcome to BudgetBuddy (“we,” “our,” or “us”). Your privacy is extremely important to us. This Privacy Policy explains how we collect, use, store, and protect your personal and financial information when you use the BudgetBuddy mobile application (the “App”).

 

BudgetBuddy is a personal finance management app that helps you track expenses, manage budgets, set savings goals, and gain insights into your financial health. By using the App, you agree to the practices described in this Privacy Policy.

 

 

2. Information We Collect

 

 

2.1 Information You Provide Directly

 

 

Account Information

 

  • Email address (via Sign in with Apple)

  • Display name (optional, if shared via Apple)

  • Unique user identifier for authentication

 

 

Financial Information

 

  • Wallet and account names, types, and balances

  • Transactions (amounts, dates, categories, descriptions)

  • Budget categories and spending limits

  • Savings goals and progress

  • Recurring transaction schedules

 

 

2.2 Information Collected Automatically

 

 

Device Information

 

  • Device identifier (used for security verification via Apple App Attest)

  • Device type and operating system version

 

 

Usage Information

 

  • Subscription status and purchase history

  • AI Insights usage count

  • App feature interactions

  • Sync status and timestamps

 

 

Diagnostic Information

 

  • Crash reports

  • Performance data

  • Error logs

 

 

2.3 Information We Do Not Collect

 

We do not collect:

 

  • Location data

  • Health or fitness data

  • Photos or media

  • Contact lists

  • Browsing history

 

We do not track you across other apps or websites.

 

 

3. How We Use Your Information

 

 

3.1 Core App Functionality

 

  • Display your financial dashboard

  • Track and categorize transactions

  • Calculate budget health and spending patterns

  • Manage wallets, budgets, and savings goals

  • Sync data across your devices

 

 

3.2 AI-Powered Insights (With Your Consent)

 

If you choose to enable AI Insights, we use your financial data to provide:

 

  • Personalized spending analysis

  • Budget health recommendations

  • Subscription identification

  • Savings opportunities

  • Monthly spending summaries

 

Important:

AI Insights require your explicit consent. You can enable or disable this feature at any time in Settings.

 

 

3.3 Service Improvement

 

  • Monitor app performance and stability

  • Identify and fix technical issues

  • Improve user experience

 

 

3.4 Security

 

  • Verify device authenticity

  • Prevent unauthorized access

  • Detect and prevent fraud or abuse

 

 

4. Data Storage and Security

 

 

4.1 Local Storage

 

Your financial data is stored locally on your device for offline access, including transactions, wallets, budgets, and goals.

 

 

4.2 Cloud Storage (Apple CloudKit)

 

We use Apple CloudKit to:

 

  • Sync data across your Apple devices

  • Enable Family Sharing features

  • Provide secure cloud backups

 

CloudKit data:

 

  • Is stored in your private iCloud account

  • Is end-to-end encrypted by Apple

  • Is accessible only by you (and family members you choose)

 

 

4.3 Security Measures

 

  • Encryption in Transit: TLS encryption for all data transfers

  • Hardware Attestation: Apple App Attest for device integrity

  • Secure Credentials: Sensitive keys are never stored in the app

  • Rate Limiting: Prevents abuse of AI services

  • Input Validation: Data is validated before processing

 

 

5. Third-Party Services

 

 

5.1 Apple Services

 

Sign in with Apple

 

  • Secure authentication

  • You control shared information

 

CloudKit (iCloud)

 

  • Data sync and backup

 

App Store & StoreKit

 

  • Subscription and in-app purchase processing

 

Apple Privacy Policy:

https://www.apple.com/legal/privacy/

 

 

5.2 Firebase Services (Google)

 

Firebase Authentication

 

  • Manages authentication

  • Stores minimal account data (user ID, email)

 

Firebase App Check

 

  • Verifies app authenticity

  • Does not collect personal data

 

Firebase Functions

 

  • Processes AI Insight requests

  • Hosted in Europe (europe-west1)

  • Data is processed, not stored

 

Google Privacy Policy:

https://policies.google.com/privacy

 

 

5.3 Google Gemini AI (Optional, Consent-Based)

 

When AI Insights are enabled, limited financial data is sent to Google Gemini AI for analysis.

 

 

Data Sent:

 

  • Transaction amounts, categories, and dates

  • Wallet balances and types

  • Budget information

  • Currency preferences

 

 

Data Not Sent:

 

  • Your name or email

  • Personal identifiers

  • Device information

 

 

Google’s Data Handling:

 

  • Encrypted in transit (TLS)

  • Retained up to 55 days for security monitoring

  • Not used for advertising

  • Not used to train AI models

 

More information:

https://ai.google.dev/gemini-api/docs/logs-policy

 

 

6. Data Sharing We Do Not:

 

  • Sell your data

  • Share data with advertisers

  • Use data for targeted advertising

  • Track users across apps or websites

 

 

We May Share Data:

 

  • With your consent (AI Insights, Family Sharing)

  • With family members you approve

  • To comply with legal obligations

  • To protect rights, safety, or security

 

 

7. Data Retention

 

 

Active Use

 

Data is retained while you actively use the App.

 

 

Local Data

 

Stored until you delete the app or reset data.

 

 

CloudKit Data

 

Stored in your iCloud account until deleted.

 

 

AI Processing Data

 

  • Not stored by our servers

  • Google may retain logs up to 55 days

 

 

After Deletion

 

  • Local data is removed immediately

  • CloudKit data is deleted

  • Firebase records are removed

  • AI service retention follows their policies

 

 

8. Your Rights and Choices

 

You can:

 

  • View all data in-app

  • Export data (CSV)

  • Delete individual items

  • Reset all data

  • Delete your account

  • Enable or disable AI Insights

  • Manage notifications

  • Leave Family Sharing at any time

 

 

9. Children’s Privacy

 

BudgetBuddy is not intended for children under 13. We do not knowingly collect data from children under 13.

 

 

10. International Data Transfers

 

Your data may be processed in:

 

  • Apple data centers (CloudKit)

  • Google Cloud (Europe & U.S.)

 

All transfers use encryption and comply with applicable data protection laws.

 

 

EU/EEA Users

 

Transfers outside the EU/EEA comply with GDPR and applicable safeguards.

 

 

11. California Privacy Rights (CCPA)

 

California residents have the right to:

 

  • Know, access, and delete personal data

  • Opt-out of data sales (we do not sell data)

  • Non-discrimination for exercising rights

 

 

12. European Privacy Rights (GDPR)

 

You have the right to:

 

  • Access, correct, or delete your data

  • Restrict or object to processing

  • Data portability

  • Withdraw consent at any time

 

Legal Bases:

 

  • Consent (AI Insights)

  • Contract (core app functionality)

  • Legitimate interest (security & improvement)

 

 

13. Changes to This Policy

 

We may update this Privacy Policy. Changes will be communicated via:

 

  • In-app notice

  • Updated “Last Updated” date

  • Notifications for significant changes

 

 

14. Contact Information

 

Email: info@alperkaplan.com

Developer: Alper Kaplan

 

 

15. Additional Information

 

 

App Store Privacy Label

 

Our App Store privacy label accurately reflects this policy.

 

 

Privacy Manifest

 

BudgetBuddy includes a Privacy Manifest (PrivacyInfo.xcprivacy) in compliance with Apple requirements.

 

Effective as of January 22, 2026.

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